The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,734
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,850
−HK$118/mo
Today · 4.125%
HK$3,968
baseline
▲ 0.50% · 4.625%
HK$4,209
+HK$241/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$7,936/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,154
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,265
−HK$113/mo
Today · 4.125%
HK$4,378
baseline
▲ 0.50% · 4.625%
HK$4,609
+HK$231/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$8,756/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,480
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,620
−HK$141/mo
Today · 4.125%
HK$4,761
baseline
▲ 0.50% · 4.625%
HK$5,051
+HK$290/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$9,522/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,984
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,118
−HK$136/mo
Today · 4.125%
HK$5,254
baseline
▲ 0.50% · 4.625%
HK$5,531
+HK$277/mo
Deposit HK$655K · loan HK$982K · min. income ≈ HK$10,508/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,227
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,390
−HK$165/mo
Today · 4.125%
HK$5,555
baseline
▲ 0.50% · 4.625%
HK$5,893
+HK$338/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,110/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,815
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,971
−HK$158/mo
Today · 4.125%
HK$6,129
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,258/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,720
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$212/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$435/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,476
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$203/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$416/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,760/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).